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Is it possible to obtain a 90-day Non-O visa annually for stays in Thailand without keeping 800K THB in the bank?
NON-O VisaVisa RulesVisa ApplicationThailand ImmigrationRetirement VisaExpat Life in ThailandTravel PlanningFinancial Requirements for Thai Visas
Mar 9, 2026
2 months ago
Jay ************
ORIGINAL POSTERI have a question that I've never seen here before. Would it be an issue every year to get the 90 day Non-O visa. That way I wouldn't have to keep 800k in the bank as my wife and I would be retiring in the Philippines since she is a Filipina. We want to spend at least 90 days a year in Phuket with my Thai friends, and also travel all around the region, spending maybe a month in Vietnam, a few weeks in Malaysia, etc.
As far as proving we have the 800k baht, or the 65k monthly requirement, that isn't a problem. I would assume they would accept our IRA statements, but is it wrong to assume that? I also would have well over the 65k baht a month in deposits for social security.
We don't want to PERMANENTLY retire in Thailand, we just want to be able to come to Thailand at least 90 days, and possibly five months out of the year, like maybe a 90 day stay and then a 60 day stay, something like that. Sorry for the long post. I'm trying to figure out how both my wife and I can do this when we move to SE Asia in 1 1/2 years, permanently.
I'd like to add, I am 68 and she is 52, so both of us are over 50.
As far as proving we have the 800k baht, or the 65k monthly requirement, that isn't a problem. I would assume they would accept our IRA statements, but is it wrong to assume that? I also would have well over the 65k baht a month in deposits for social security.
We don't want to PERMANENTLY retire in Thailand, we just want to be able to come to Thailand at least 90 days, and possibly five months out of the year, like maybe a 90 day stay and then a 60 day stay, something like that. Sorry for the long post. I'm trying to figure out how both my wife and I can do this when we move to SE Asia in 1 1/2 years, permanently.
I'd like to add, I am 68 and she is 52, so both of us are over 50.
TLDR : Answer Summary
The individual is exploring the feasibility of obtaining a 90-day Non-O visa annually to visit Thailand while residing in the Philippines, avoiding the necessity to maintain 800,000 THB in a Thai bank. The discussion indicates that returning to Thailand with a Non-O visa may be possible, although risks of scrutiny by immigration exist due to frequent border runs. Responses suggest considering multi-entry tourist visas or retirement visas as alternatives and emphasize consulting with the Thai embassy or local immigration for the most current regulations.
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Jörg ********
You say you have the 65K THB monthly. Your wife too? Then why not make a Non-O retirement following the 1 year Extension. You don't need to stay in Thailand all the time but you need to extend it once a year. So you don't need to have that 800K x 2 on the bank, just the proof of your and your wifes income (probably confirmed by the lokal consulate). 1900 THB for the extension/person and 1000 for Re-entry permit before you leave or 3800 for multiple entry. For the extension is no health insurance needed, although of coz it's better to have one. I did this before i settled here. It's less complicated than a tourist visa
Jay ************
ORIGINAL POSTERWe're from the US so as I understand it we wouldn't be able to prove our income, we have to deposit the 800k baht.
Jörg ********
Jay Dollarhide ah, sorry, i don't know about that, maybe just europeans can do
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Jörg ********
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Bryan ******
A multi entry tourist visa would fit the bill for you
Yo***
thai retirement visa does not require you to stay in Thailand. So, if I were you, I make retirement visa and extension every year. I put money 800,000 THB in Thai bank to extend it. If you keep it, you can extend it every year. And even you can use this everywhere, not below 400K THB and refill it before extending. This can make you comfortable to stay in Thailand for months. PS) Noone is guaranteed to live in Thailand permanently, even wanted it.
Jay ************
ORIGINAL POSTERYoung, it's not just me, it's my wife, too. We don't want to put up 1.6 million THB just for both of us to stay four or five months a year in Thailand. That's all I'm trying to figure out is how to spend four to five months in the country. We aren't going to use the visa free stamp for a couple of times a year because I don't think that's going to work out well. I've come to the conclusion we both get a tourist visa once a year and cut our visits down to 90 days by also applying for an extension each year, or we both apply for an METV.
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Jay ************
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Gene *********
Sure making your situation very complicated. Hope you get it solved before you have a heart attack . 🤣🤣
Jay ************
ORIGINAL POSTERGene Whitmer, and I guess my simple question was too easy for you to follow. Sorry I made it so complicated for your brain to understand. There, I guess I'm a smart ass, too.
Gene *********
Jay Dollarhide how many days ago did you post this. You have much advice. But you still want to carry on. Move on with your life. If it still so complicated talk to a agent or go to law offices next to most immigration offices. They will give you all the advise you need.
Jay ************
ORIGINAL POSTERGene Whitmer, and if you don't like it, why don't you move on. It's my post, people are offering up information and I'm responding back...not sure why you would have a problem with that. And right now I'm not in either Thailand or the Philippines, I'm in the US. I'm just asking for choices. I'll be in Thailand in December and then I'll get some advice. I was just curious as to my choices, so I thought I would ask the question. Some 120+ people have left a LIKE on the post, so I'm betting others have the same thoughts as I do on this question I asked.
Jay ************
ORIGINAL POSTERGene Whitmer, I'm not carrying on, I'm just answering people when they respond, that's all.
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Jay ************
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Jay ************
ORIGINAL POSTERGene Whitmer, kind of curious Gene, how is my question making my situation very complicated. I'm just trying to sort out how my wife and I can spend more time in Thailand because it doesn't make any sense for us to retire permanently there when we're retiring in a country nearby because my wife is a Filipina. I really don't think this will cause me a heart attack, but I guess you think that's kind of funny. No wonder some people don't want to ask questions on these forums because they just get several smart ass comments back.
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Jay ************
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Paul ***********
Why don’t you just contact a Thai embassy and ask them what options are available. Even tho the best options have been given to you by members of this group, you answer with a brief history of what you have and what your travel plans are.
Contact a Thai embassy, because you obviously get confused very easily
Contact a Thai embassy, because you obviously get confused very easily
Jay ************
ORIGINAL POSTERPaul De Graaf, kind of unsure why you think I get confused easily, actually. What am I confused about. I've been traveling to Thailand for the last 11+ years almost all of the time, and know how the situation works as far as tourist visas, entry-free stamps, METV, etc. I'm just wondering if anyone has done the Non-O visa year after year for 90 days. I'm not confused at all, just asking a question I've never seen on any of the forums as to the best way for my wife and I to try to spend some time in Thailand each year without having to put up the 800k for both my wife and I as my retirement visa will be in the Philippines.
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Jay ************
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Iain *******
You can apply for a multi visit one year OA visa from your home country. You just need to buy a cheap health insurance plan (AXA offer one), background check and doctors letter.
Ant ***********
Get a 6 month Multi entry tourist Visa before from a Thai embassy outside Thailand
Jay ************
ORIGINAL POSTERAnt W Tailor, I know that's an option. I know there are a lot of options. I watch TNT all the time with Tim Newton, I've been to Thailand many, many times. I was just wondering if the Non-O visa, year after year would be an option. And if it was an option to do it a couple of times a year, spaced out by several months. I've seen a few responses back that is indeed an option, but could possibly be an issue with an IO or even the Visa & Immigration office. I guess I should do as one person responded, ask the US Thai Embassy here in the US.
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Jay ************
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Jim *********
My personal opinion is not to stress and do it the easy way. Non O from your home country and get a 1 year extension of stay for retirement in Thailand. Just get an agent to provide the 800k finance for about 14k done
Jay ************
ORIGINAL POSTERJim Skinner, I didn't really want to pay 14k for me and 14k for my wife, and as many have said in the past, using an agent is a little dodgy, although I know these visa forums do use the THAI VISA CENTRE visa agent and they seem to be a respectable agency. That would be 28k for both of us to get something that maybe Non-O visas for the couple of shorter visits would help us achieve. And along with the 14k each, I'm assuming it might cost more as we would be leaving. We want to stay around 3 months, and then leave, travel around for a while, then come back in maybe 3, 4 or even 5 months later for a couple of month stay.
Jim *********
Jay Dollarhide yes I understand. You would need a re entry permit for both of you as well to keep the extension live. 3800 multiple and 1000 single. As far as the agent obtained extension being dodgy, ignore all the scaremongering. It's authorised and signed for by the same immigration officer who signs the ones you obtain yourself. I was just suggesting a way to do it that's easy and no stress. Myself I used to use the letter from the UK embassy to prove income. When that stopped I didn't want to deposit 800k in a Thai bank or transfer 65k a month. I prefer to keep my money in the UK, pay as much as I can by no fee UK credit card and only transfer money to Thailand as I need it about two or 3 times a month. An agent visa is my preferred method.
Jay ************
ORIGINAL POSTERJim Skinner, if I didn't have to pay double for me and my wife I would definitely consider this option. I was just trying to keep costs down for both of us. My wife has been working hard over here in the US working with children in childcare for 22 years, and she's not at retirement age here, she'll be 53 when we leave and we're both middle class, not rich...so I'm going to finance the both of us until she gets to 62. Then she can draw social security from the US. Until then, it won't be too tight for us, but I definitely want to keep a nice chunk of money in my IRA account for us for emergencies. I'm thinking trying the Non-O and see how it goes, as a couple of people have replied that they've done it. If that doesn't work out, we'll just come for 90 days each year on a tourist visa with an extension each year. We're both also pursuing possible work we could maybe do online and maybe we could go the DTV route. Either way, it's not too big of an issue, we'll just go to more countries. The problem is, we both LOVE Thailand, and even though she is a Filipina, we both only LIKE the Philippines, lol.
Jim *********
Jay Dollarhide best of luck whatever way you decide to go.
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Jim *********
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Nick *********
has anyone recently marry to. a Thai girl. If yes then what is the procedure and what documents we need . Thanks in advance
Jay ************
ORIGINAL POSTER@Nick ********
, this has nothing to do with my question. Like Ron said, start your own post, kind of rude to come on my post and ask something that has nothing to do with what I was inquiring. I'm not sure why you would even do that, actually.Ron ******
@Nick ********
Start your own post and provide more details.Paul ***********
Ron Duke
this group gets this and similar question a couple of times a week. Best answer would be scroll through the older posts and pick up your answer there.
this group gets this and similar question a couple of times a week. Best answer would be scroll through the older posts and pick up your answer there.
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Paul ***********
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Mick *********
As far as I know you could either get a non o 90 day visa then leave and come back on a 60 day exemption or come over on a 60 day extend for another 30 then leave and return with another 60 days. There is talk of moving the 60 day exemption back to 30 days so not sure where that would leave you.
Jay ************
ORIGINAL POSTERI'm looking for a solid plan for the future where I don't have to worry about having any issues. If my wife and I have to we'll just make the best of it and just get tourist visas once a year and then get an extension for 30 more days and call it good. Maybe wait a few months and come back on another tourist extension for 60 days sometimes. We have some nice beaches not far from our house in Leyte but I really like my friends on Phuket, and I've spent so much time there that I know the island like the back of my hand. I was there during covid for several months with nothing to do since we couldn't swim so I motorbiked up and down just about every road on the island.
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Jay ************
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Yang ******
They used to issue one year multiple entries non-o visa, not anymore.
Colin ********
Yang Song of, that's a pity. It used to be a very good alternative to the marriage or retirement visa
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Colin ********
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Malcolm **********
You can try. I've know people do this, they would go back to UK every year (at Songkran) and get a new O-visa then return and do border runs every 3 months. It all worked until one trip they were told that they had abused the system and the O-visa was only intended for going to Thailand to set up a retirement or similar long term visa and they were refused. As this was about 15 years ago when things were much easier I think you will probably only get the visa once or twice before the refusal. The reason for the clampdown, not a rule/law change, is because Immigration are trying to stop people using the wrong visa for living in Thailand as the people who do this are generally working illegally or running scams etc and this is exactly the sort of thing that say they are stopping.
Jay ************
ORIGINAL POSTERMalcolm Whitlock, I should add, I realize no visa allows a stay longer than 60 days other than the Non-O visa, which is for 90 days. And on any visa we get we would only get another 30 days if we extended, so when I say 4 to 5 months, I know that no matter what, other than permanently retiring in the country, we would never get 4 to 5 months in a row, ever, and we would have to leave after 90 days.
Jay ************
ORIGINAL POSTERMalcolm Whitlock, that's sad. We want to live and retire in the Philippines, but we also would like to spend 4 to 5 months of the year hanging out and traveling around Thailand. I guess that's not going to happen. I guess we either do a 60 day tourist visa each year, then extend for 30 days then wait until the next year. Oh well.
Malcolm **********
Jay Dollarhide Like I said, you can try. I'm no expert but live in Thailand and watch the expat news and I'm just reporting what I've seen. The use of a O-visa is 'restricted' to people intending to get a long term visa so that's almost certain to give you problems so you might be better on tourist visas. Really it appears to be how long you stay, if you get extension, how often you come and the time between visits. If you want to stay for the maximum on a single tourist visa plus extension and then leave & return a few days or weeks later then I'm sure you will have problems with that as well but if you were to come in on a tourist visa, not extend it and leave then repeat a couple of month later you probably won't have problems but then it's all down to the immigration officer at the desk when you arrive or in the immigration office of you try to get an extension.
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Malcolm **********
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Brett ********
the key point is the Thai authorities don't want ppl using tourist (60+30) visas repeatedly with border runs etc instead of using the non-immigrant O retirement visa (90 + 1 year) in order to get around the B800,000 deposit requirement
Jay ************
ORIGINAL POSTERBrett Catton, it's sad then, because I would bet there are other people like us that would like to spend 4 or 5 months in the country, spending money, that are retired in nearby countries. I don't even know if you can have retirement visas in two countries at the same time, and since my wife is a Filipina, we'll be retiring there at our home, but all I would like, somehow, is to be able to spend a nice amount of time in Thailand, too, along with the Philippines.
Brett ********
yeah it's getting harder in Thailand. Remember also that living in thailand continuously for 6 months or more in a tax year will mean you're a tax resident for Thai Revenue Dept purposes and any money brought into thailand may be taxable there
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Brett ********
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John **********
A Non-O each will get you 90 days then you'd have to leave. In theory you could then return visa exempt but I'm not sure how they would treat this if you are using it consistently every year to spend an extended time in Thailand, I don't see it as being much different to just using visa exempt entries or tourist visas
Jay ************
ORIGINAL POSTER@John *********
, we would NEVER come back without some type of visa though. We won't be doing anything but either a tourist visa, an METV visa, or the Non-O visa. I guess I will just have to try to find someone with the visa & immigration office that might be able to suggest to us how we can spend a bit more time there than just 90 days a year. We both love Thailand, and we both love hanging out in Phuket and Bangkok with the friends we've made in both places.John **********
@Jay ***********
you won't be able to get an METV in the Philippines unless you have official residence rights there. But there's nothing to say you can't enter Thailand twice a year on tourist visas or visa exempt entries, at least until you are pulled aside by immigration. Just make sure you always have accommodation booked, a ticket out and 20k baht (or equivalent in another major currency) per person in cashJay ************
ORIGINAL POSTER@John *********
, we will have residency there. My wife is a Filipina citizen, and that's where I will be getting a retirement visa. That will be our home base. We are leaving the US to live in the Philippines. My wife has dual citizenship, and we have both a home and property there.Reply to
Jay ************
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Jay ************
ORIGINAL POSTER@John *********
, that's kind of what I was wondering. So we really have no choice but to only come into the country once a year for 90 days. That's sad, we would spend a decent amount of money coming into the country and would love to somehow stay 4 to 5 months. I'm willing to pay for visas, just not doing a retirement visa other than a Non-O visa for the 90 days because my wife is a Philippine citizen and I'll be getting a retirement visa in the Philippines.Paul ***********
Jay Dollarhide then get a 6 month visa
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Paul ***********
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Barath *******
Jay, if you're not retiring in Thailand, you can opt for a 60 days upon arrival and extend further 30 days if required.
Jay ************
ORIGINAL POSTERWe want to do this every year, though. I'm thinking by the time we get there next year the 60 days might be reduced to 30. We could just get tourist visas then, I'm just worried that since we're both older they'll try to tell us to go the retirement visa route.
I'm also coming over this December for three months, but I'll get a tourist visa for that trip. I'm worried about my history of getting the stamps for the last several years and doing border runs to Malaysia. I've done that consistently for quite a few years.
I'm also coming over this December for three months, but I'll get a tourist visa for that trip. I'm worried about my history of getting the stamps for the last several years and doing border runs to Malaysia. I've done that consistently for quite a few years.
Doug ********
Jay Dollarhidethe border runs are definitely being scrutinised..I did a few ..my last in June 2025 to Laos by road was told fairly sternly combine back without a valid visa lol....I was actually going to get the non O so was fine
Atrustwor*********
Jay Dollarhide once ir twice a year visit why would they tell you to get a retirement visa ?
Just get the 60 day tourist visa and 30 day extension gives you the 3 months a non o gives.
Just get the 60 day tourist visa and 30 day extension gives you the 3 months a non o gives.
Paul ***********
AtrustworthyJaguar
👍🏻 ✅ No brainer
👍🏻 ✅ No brainer
Jay ************
ORIGINAL POSTERI've read other people comment on these sites about how some of the immigration officers, when dealing with people obviously older and retired, kind of leaning on them to get retirement visas.
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Jay ************
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Gene *********
Seems your very I decisive. Figure out your exact plans first.
Jay ************
ORIGINAL POSTEROh, I know what we're doing. We're heading to SE Asia for good next year. We have a house and property in the Philippines but we both love Thailand more. BUT, my wife is a Filipina, her family is in the Philippines so our base will be there but we want to find a way to spend at least 3 to 5 months in Thailand. No indecision there, that's our plan. I just want to find a way to consistently do that and not have any issues with immigration.
Kool *******
Jay Dollarhide keep in mind with the type O 90 day visa you are only good for 90 days. There are only the rules to extend it for one year, with bt800,000 each in a Thai bank, to stay longer than 90 days. It would work okay for 90 days, but not longer than that.
Jay ************
ORIGINAL POSTERKool Breez, that's all we want. We would stay 90 days, then head out for a while, traveling either around the SE Asian region to other countries or head to Europe for a while. That's why I'm wondering if I could then come back on another Non-O visa for an additional 90 days or we just apply for a tourist visa coming back in. I'm not sure what will work to get two different times in the country, one for 90 days and another months later for 60 days. We'll be spending a good chunk of time down in the Philippines as we have a house and a lot with 30+ mango and jackfruit trees, etc. We just love Thailand and I have some really good friends I'd like to spend a good chunk of time hanging out with, and eating in their cafes, etc.
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Jay ************
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CleverF*******
A little off topic, wouldn't the multi-entries tourist visa be a better option than non-O?
Brandon ************
CleverFrog1651 that's going to cost more than a non-O
Paul ***********
@Brandon ***********
He has stated in many ways he is rich, so getting a METV visa would probably be his best optionJay ************
ORIGINAL POSTERPaul De Graaf, I never stated I was rich. We're not rich, we are comfortably middle class. I would prefer to find a better way than spending $400 total, for my wife and I, and look for a little cheaper alternative. Yes, we could afford the $400, but if there is an alternative to doing the METV, which isn't the way I want to go, as I am already aware of that route, I was asking for advice on the Non-O visa. There's a few options out there, getting a couple of tourist visas twice a year with an extension for both of us with one of them, etc, etc. I KNOW all of the options, OTHER than if the Non-O option was viable.
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Jay ************
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CleverF*******
@Brandon ***********
Yes, METV is roughly 2.5 times the cost of a single entry non-O visa. It really depends on the length and the span of the stay, just another option to consider.Jay ************
ORIGINAL POSTERThat's exactly why I am considering the Non-O visa if it would work for us. My wife has dual citizenship, though. She has her US passport and she'll get her Philippine passport back once we're living there. She let it expire and it's easier to just wait to get it back when we're there.
Reply to
Jay ************
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Peter **********
Don’t ASSUME anything.
Recognise the law.
Ignore anything the Tangerine Turnip says.
Recognise the law.
Ignore anything the Tangerine Turnip says.
Jay ************
ORIGINAL POSTERWho is the Tangerine Turnip? I do like to keep my posts respectful, though.
Doug *******
Jay Dollarhide I block between five and twenty five commenters each week in this group so that helps to avoid the arrogant drivel. 👍
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Doug *******
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Lester *********
That’s what I do twice a year. I have no problem getting the visa and apply online in the UK at a cost of £60
Doug *******
Lester Housley So you buy two 90-day non O visas each year and get no extensions? How much “away time” between the two visas? Just curious if this is a legitimate way to have 180 days per year in Thailand.
Lester *********
Doug Olson This time I stayed from October 2025 until January 2026. Returned on the 27th February 2026 and here until the end of May. Absolutely, they are legit. I apply online in the UK and pay £60 each time upfront. The most important thing with the 90 day Non O is that it’s a single entry Visa. If you want to stay beyond the 90 days, you must apply for a 12 month extension of stay. This is not a Visa and I don’t need the 12 month extension.
Jay ************
ORIGINAL POSTERLester Housley, we're perfectly fine with just 90 days. I was hoping to find a way to do that a couple of times a year, possibly.
Jay ************
ORIGINAL POSTERLester Housley, this sounds very promising to me. I hope we can do this in the future. I've been trying to figure out a way that my wife and I can spend a couple of times in Thailand each year for several months. Thank you for giving me a promising way to do this.
Lester *********
Jay Dollarhide No worries, I just wish they did a six month one, then I wouldn’t have to go home for a month to the freezing UK. Or better still, allowing the 800k to sit in your own bank account instead of a Thai one. Perhaps I’ll bite the bullet one day and get the extension of stay. I know they do a six month tourist Visa and I have considered it but it doesn’t really fit my criteria
Chris *********
Lester Housley a DTV would suit you perfectly, each entry gives you a 6 month stay, it’s valid for 5 years and multiple entries. Just sign up for a cooking course or figure out something that is wrong with you that would benefit from ongoing medical treatment, you can get a Dtv for medical tourism too.
Jay ************
ORIGINAL POSTERLester Housley, yeah, the six month tourist Visa doesn't really work for us either. We want to travel for a while before we head back to Thailand each time. Three months max is what we're after, and we might be gone for four or five months before we come back. Thanks again for the information and have a great day.
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Jay ************
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Graham ******
Lester Housley same same
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Graham ******
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Brandon ************
Shouldn't be any issue getting a non-O visa every year. What the embassy you use accepts or doesn't accept is up to that specific embassy.
Jay ************
ORIGINAL POSTEROnce we're in the Philippines it will probably be in Manila but if we're traveling the area hopefully we could get one in Saigon or Kuala Lumpur.
Reply to
Jay ************
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